Raw Lending Club Data Profile Report

Dataset statistics

Number of variables	28
Number of observations	10000
Missing cells	19391
Missing cells (%)	6.9%
Duplicate rows	0
Duplicate rows (%)	0.0%
Total size in memory	12.1 MiB
Average record size in memory	1.2 KiB

Variable types

CAT	14
NUM	11
BOOL	3

Reproduction

Analysis started	2020-11-05 17:43:15.863490
Analysis finished	2020-11-05 17:44:21.404337
Version	pandas-profiling v2.6.0
Command line	`pandas_profiling --config_file config.yaml [YOUR_FILE.csv]`
Download configuration	config.yaml

`emp_title` has a high cardinality: 8183 distinct values	High cardinality
`Notes` has a high cardinality: 6761 distinct values	High cardinality
`purpose` has a high cardinality: 5677 distinct values	High cardinality
`zip_code` has a high cardinality: 720 distinct values	High cardinality
`earliest_cr_line` has a high cardinality: 463 distinct values	High cardinality
`emp_title` has 592 (5.9%) missing values	Missing
`Notes` has 3230 (32.3%) missing values	Missing
`mths_since_last_delinq` has 6316 (63.2%) missing values	Missing
`mths_since_last_record` has 9160 (91.6%) missing values	Missing
`delinq_2yrs` has 8910 (89.1%) zeros	Zeros
`inq_last_6mths` has 4602 (46.0%) zeros	Zeros
`mths_since_last_delinq` has 163 (1.6%) zeros	Zeros
`mths_since_last_record` has 267 (2.7%) zeros	Zeros
`revol_bal` has 278 (2.8%) zeros	Zeros
`revol_util` has 254 (2.5%) zeros	Zeros

Id
Real number (ℝ_≥0)

UNIFORM
UNIQUE

Distinct count	10000
Unique (%)	100.0%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	5000.5
Minimum	1
Maximum	10000
Zeros	0
Zeros (%)	0.0%
Memory size	78.2 KiB

Quantile statistics

Minimum	1
5-th percentile	500.95
Q1	2500.75
median	5000.5
Q3	7500.25
95-th percentile	9500.05
Maximum	10000
Range	9999
Interquartile range (IQR)	4999.5

Descriptive statistics

Standard deviation	2886.89568
Coefficient of variation (CV)	0.5773214038
Kurtosis	-1.2
Mean	5000.5
Median Absolute Deviation (MAD)	2500
Skewness	0
Sum	50005000
Variance	8334166.667

Histogram
Dynamic Histogram

Histogram with fixed size bins (bins=10)

Histogram with variable size bins (bins=[1.e+00 1.e+04], "bayesian blocks" binning strategy used)

Value	Count	Frequency (%)
2047	1	< 0.1%
5424	1	< 0.1%
1338	1	< 0.1%
7481	1	< 0.1%
5432	1	< 0.1%
9526	1	< 0.1%
3379	1	< 0.1%
1330	1	< 0.1%
7473	1	< 0.1%
9518	1	< 0.1%
Other values (9990)	9990	99.9%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
1	1	< 0.1%
2	1	< 0.1%
3	1	< 0.1%
4	1	< 0.1%
5	1	< 0.1%

Value	Count	Frequency (%)
10000	1	< 0.1%
9999	1	< 0.1%
9998	1	< 0.1%
9997	1	< 0.1%
9996	1	< 0.1%

is_bad
Boolean

Distinct count	2
Unique (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Memory size	78.2 KiB

0	8705
1	1295

Frequency Table

Value	Count	Frequency (%)
0	8705	87.1%
1	1295	13.0%

emp_title
Categorical

HIGH CARDINALITY
MISSING
UNIFORM

Distinct count	8183
Unique (%)	87.0%
Missing	592
Missing (%)	5.9%
Memory size	78.2 KiB

US Army	37
Bank of America	23
IBM	22
USAF	17
US Navy	17
Other values (8178)	9292

Value	Count	Frequency (%)
US Army	37	0.4%
Bank of America	23	0.2%
IBM	22	0.2%
USAF	17	0.2%
US Navy	17	0.2%
United States Air Force	16	0.2%
Wells Fargo	15	0.1%
AT&T	14	0.1%
U.S. Army	14	0.1%
Self Employed	14	0.1%
Other values (8173)	9219	92.2%
(Missing)	592	5.9%

Length

Max length	78
Mean length	17.4252
Min length	2

Value	Count	Frequency (%)
Uppercase_Letter	29	32.6%
Lowercase_Letter	26	29.2%
Other_Punctuation	11	12.4%
Decimal_Number	10	11.2%
Open_Punctuation	2	2.2%
Close_Punctuation	1	1.1%
Final_Punctuation	1	1.1%
Other_Symbol	1	1.1%
Math_Symbol	1	1.1%
Space_Separator	1	1.1%
Other values (6)	6	6.7%

Value	Count	Frequency (%)
Latin	55	61.8%
Common	34	38.2%

Value	Count	Frequency (%)
ASCII	81	97.6%
Punctuation	2	2.4%

emp_length
Categorical

Distinct count	14
Unique (%)	0.1%
Missing	0
Missing (%)	0.0%
Memory size	78.2 KiB

10	2160
1	2083
2	1183
3	1010
4	889
Other values (9)	2675

Value	Count	Frequency (%)
10	2160	21.6%
1	2083	20.8%
2	1183	11.8%
3	1010	10.1%
4	889	8.9%
5	779	7.8%
6	535	5.3%
7	421	4.2%
8	351	3.5%
9	331	3.3%
Other values (4)	258	2.6%

Length

Max length	2
Mean length	1.2418
Min length	1

Value	Count	Frequency (%)
Decimal_Number	10	83.3%
Lowercase_Letter	2	16.7%

Value	Count	Frequency (%)
Common	10	83.3%
Latin	2	16.7%

Value	Count	Frequency (%)
ASCII	12	100.0%

home_ownership
Categorical

Distinct count	5
Unique (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Memory size	78.2 KiB

RENT	4745
MORTGAGE	4445
OWN	775
OTHER	34
NONE	1

Value	Count	Frequency (%)
RENT	4745	47.4%
MORTGAGE	4445	44.5%
OWN	775	7.8%
OTHER	34	0.3%
NONE	1	< 0.1%

Length

Max length	8
Mean length	5.7039
Min length	3

Value	Count	Frequency (%)
Uppercase_Letter	10	100.0%

Value	Count	Frequency (%)
Latin	10	100.0%

Value	Count	Frequency (%)
ASCII	10	100.0%

annual_inc
Real number (ℝ_≥0)

Distinct count	1901
Unique (%)	19.0%
Missing	1
Missing (%)	< 0.1%
Infinite	0
Infinite (%)	0.0%

Mean	68203.01154
Minimum	2000
Maximum	900000
Zeros	0
Zeros (%)	0.0%
Memory size	78.2 KiB

Quantile statistics

Minimum	2000
5-th percentile	23734
Q1	40000
median	58000
Q3	82000
95-th percentile	143550
Maximum	900000
Range	898000
Interquartile range (IQR)	42000

Descriptive statistics

Standard deviation	48590.25276
Coefficient of variation (CV)	0.7124355899
Kurtosis	51.15309953
Mean	68203.01154
Median Absolute Deviation (MAD)	30247.19103
Skewness	4.880305421
Sum	681961912.4
Variance	2361012663

Histogram

Histogram with fixed size bins (bins=10)

Value	Count	Frequency (%)
60000	381	3.8%
50000	267	2.7%
40000	222	2.2%
75000	213	2.1%
30000	211	2.1%
65000	204	2.0%
48000	196	2.0%
70000	193	1.9%
45000	181	1.8%
80000	170	1.7%
Other values (1891)	7761	77.6%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
2000	1	< 0.1%
4080	1	< 0.1%
4200	2	< 0.1%
4800	2	< 0.1%
5000	2	< 0.1%

Value	Count	Frequency (%)
900000	2	< 0.1%
860000	1	< 0.1%
780000	1	< 0.1%
744000	1	< 0.1%
725000	1	< 0.1%

verification_status
Categorical

Distinct count	3
Unique (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Memory size	78.2 KiB

not verified	4367
VERIFIED - income	3214
VERIFIED - income source	2419

Value	Count	Frequency (%)
not verified	4367	43.7%
VERIFIED - income	3214	32.1%
VERIFIED - income source	2419	24.2%

Length

Max length	24
Mean length	16.5098
Min length	12

Value	Count	Frequency (%)
Lowercase_Letter	13	61.9%
Uppercase_Letter	6	28.6%
Dash_Punctuation	1	4.8%
Space_Separator	1	4.8%

Value	Count	Frequency (%)
Latin	19	90.5%
Common	2	9.5%

Value	Count	Frequency (%)
ASCII	21	100.0%

pymnt_plan
Boolean

Distinct count	2
Unique (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Memory size	78.2 KiB

n	9998
y	2

Frequency Table

Value	Count	Frequency (%)
n	9998	> 99.9%
y	2	< 0.1%

Notes
Categorical

HIGH CARDINALITY
MISSING
UNIFORM

Distinct count	6761
Unique (%)	99.9%
Missing	3230
Missing (%)	32.3%
Memory size	78.2 KiB

Personal Loan	3
Debt Consolidation	3
Camping Membership	2
refinancing	2
I am consolidating credit card debt.	2
Other values (6756)	6758

Value	Count	Frequency (%)
Personal Loan	3	< 0.1%
Debt Consolidation	3	< 0.1%
Camping Membership	2	< 0.1%
refinancing	2	< 0.1%
I am consolidating credit card debt.	2	< 0.1%
I am a recent college graduate that is in need to pay down high interest credit card debt. I had to pay my own way through college and have student loans and credit card debt to show for it. I now have a good paying full time job and would like to pay down the high interest credit card debt that I have for a better financial future.	2	< 0.1%
This loan would be to consolidate my credit card debts, and have one payment at a reasonable interest rate.	2	< 0.1%
Borrower added on 07/14/11 > I am consolidating all of my debt into one payment so I am able to get debt free in 36 months. I can get you a list of the debts that will be paid if needed. Plan on getting this paid in 36 months and then look for a new house for the family.<br/>	1	< 0.1%
Borrower added on 01/17/10 > I would like to end the seemingly never ending payments to my credit cards and cancel as many as I can once they are paid off.<br/>	1	< 0.1%
Borrower added on 12/04/11 > My goal is to closeout my student loan and a few other things. 2012 is a fresh start! <br>	1	< 0.1%
Other values (6751)	6751	67.5%
(Missing)	3230	32.3%

Length

Max length	3988
Mean length	291.4693
Min length	3

Value	Count	Frequency (%)
Lowercase_Letter	31	27.2%
Uppercase_Letter	30	26.3%
Other_Punctuation	15	13.2%
Decimal_Number	10	8.8%
Math_Symbol	6	5.3%
Control	4	3.5%
Currency_Symbol	3	2.6%
Dash_Punctuation	3	2.6%
Initial_Punctuation	2	1.8%
Close_Punctuation	2	1.8%
Other values (6)	8	7.0%

Value	Count	Frequency (%)
Latin	61	53.5%
Common	53	46.5%

Value	Count	Frequency (%)
ASCII	94	95.9%
Punctuation	4	4.1%

purpose_cat
Categorical

Distinct count	27
Unique (%)	0.3%
Missing	0
Missing (%)	0.0%
Memory size	78.2 KiB

debt consolidation	4454
credit card	1273
other	1026
home improvement	800
major purchase	546
Other values (22)	1901

Value	Count	Frequency (%)
debt consolidation	4454	44.5%
credit card	1273	12.7%
other	1026	10.3%
home improvement	800	8.0%
major purchase	546	5.5%
small business	461	4.6%
car	349	3.5%
wedding	250	2.5%
medical	183	1.8%
moving	159	1.6%
Other values (17)	499	5.0%

Length

Max length	33
Mean length	13.9381
Min length	3

Value	Count	Frequency (%)
Lowercase_Letter	21	95.5%
Space_Separator	1	4.5%

Value	Count	Frequency (%)
Latin	21	95.5%
Common	1	4.5%

Value	Count	Frequency (%)
ASCII	22	100.0%

purpose
Categorical

HIGH CARDINALITY

Distinct count	5677
Unique (%)	56.8%
Missing	4
Missing (%)	< 0.1%
Memory size	78.2 KiB

Debt Consolidation	548
Debt Consolidation Loan	416
Personal Loan	145
Consolidation	132
debt consolidation	117
Other values (5672)	8638

Value	Count	Frequency (%)
Debt Consolidation	548	5.5%
Debt Consolidation Loan	416	4.2%
Personal Loan	145	1.5%
Consolidation	132	1.3%
debt consolidation	117	1.2%
Home Improvement	108	1.1%
Small Business Loan	95	0.9%
Personal	92	0.9%
Credit Card Consolidation	90	0.9%
Debt consolidation	74	0.7%
Other values (5667)	8179	81.8%

Length

Max length	80
Mean length	17.1821
Min length	1

Value	Count	Frequency (%)
Uppercase_Letter	29	30.5%
Lowercase_Letter	27	28.4%
Other_Punctuation	17	17.9%
Decimal_Number	10	10.5%
Math_Symbol	3	3.2%
Open_Punctuation	2	2.1%
Currency_Symbol	2	2.1%
Dash_Punctuation	1	1.1%
Connector_Punctuation	1	1.1%
Space_Separator	1	1.1%
Other values (2)	2	2.1%

Value	Count	Frequency (%)
Latin	56	58.9%
Common	39	41.1%

Value	Count	Frequency (%)
ASCII	87	96.7%
Punctuation	3	3.3%

zip_code
Categorical

HIGH CARDINALITY

Distinct count	720
Unique (%)	7.2%
Missing	0
Missing (%)	0.0%
Memory size	78.2 KiB

100xx	158
112xx	141
945xx	129
070xx	125
606xx	114
Other values (715)	9333

Value	Count	Frequency (%)
100xx	158	1.6%
112xx	141	1.4%
945xx	129	1.3%
070xx	125	1.2%
606xx	114	1.1%
900xx	107	1.1%
021xx	99	1.0%
941xx	95	0.9%
926xx	94	0.9%
331xx	93	0.9%
Other values (710)	8845	88.4%

Length

Max length	5
Mean length	5
Min length	5

Value	Count	Frequency (%)
Decimal_Number	10	90.9%
Lowercase_Letter	1	9.1%

Value	Count	Frequency (%)
Common	10	90.9%
Latin	1	9.1%

Value	Count	Frequency (%)
ASCII	11	100.0%

addr_state
Categorical

Distinct count	50
Unique (%)	0.5%
Missing	0
Missing (%)	0.0%
Memory size	78.2 KiB

CA	1748
NY	958
FL	714
TX	700
NJ	482
Other values (45)	5398

Value	Count	Frequency (%)
CA	1748	17.5%
NY	958	9.6%
FL	714	7.1%
TX	700	7.0%
NJ	482	4.8%
VA	392	3.9%
IL	386	3.9%
PA	378	3.8%
GA	357	3.6%
MA	331	3.3%
Other values (40)	3554	35.5%

Length

Max length	2
Mean length	2
Min length	2

Value	Count	Frequency (%)
Uppercase_Letter	24	100.0%

Value	Count	Frequency (%)
Latin	24	100.0%

Value	Count	Frequency (%)
ASCII	24	100.0%

debt_to_income
Real number (ℝ_≥0)

Distinct count	2585
Unique (%)	25.9%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	13.338704
Minimum	0
Maximum	29.99
Zeros	58
Zeros (%)	0.6%
Memory size	78.2 KiB

Quantile statistics

Minimum	0
5-th percentile	2.129
Q1	8.16
median	13.41
Q3	18.6925
95-th percentile	23.93
Maximum	29.99
Range	29.99
Interquartile range (IQR)	10.5325

Descriptive statistics

Standard deviation	6.754211507
Coefficient of variation (CV)	0.5063619004
Kurtosis	-0.8546793248
Mean	13.338704
Median Absolute Deviation (MAD)	5.669516109
Skewness	-0.008777611376
Sum	133387.04
Variance	45.61937308

Histogram
Dynamic Histogram

Histogram with fixed size bins (bins=10)

Histogram with variable size bins (bins=[ 0. 0.055 0.195 3.395 7.675 20.325 22.835 24.965 26.885 29.99 ], "bayesian blocks" binning strategy used)

Value	Count	Frequency (%)
0	58	0.6%
12.48	16	0.2%
13.51	13	0.1%
10	13	0.1%
19.2	13	0.1%
18.14	13	0.1%
4.8	12	0.1%
17.82	12	0.1%
15.38	12	0.1%
22.43	12	0.1%
Other values (2575)	9826	98.3%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	58	0.6%
0.11	1	< 0.1%
0.12	1	< 0.1%
0.13	1	< 0.1%
0.14	2	< 0.1%

Value	Count	Frequency (%)
29.99	1	< 0.1%
29.93	1	< 0.1%
29.92	1	< 0.1%
29.83	1	< 0.1%
29.74	1	< 0.1%

delinq_2yrs
Real number (ℝ_≥0)

ZEROS

Distinct count	10
Unique (%)	0.1%
Missing	5
Missing (%)	< 0.1%
Infinite	0
Infinite (%)	0.0%

Mean	0.148174087
Minimum	0
Maximum	11
Zeros	8910
Zeros (%)	89.1%
Memory size	78.2 KiB

Quantile statistics

Minimum	0
5-th percentile	0
Q1	0
median	0
Q3	0
95-th percentile	1
Maximum	11
Range	11
Interquartile range (IQR)	0

Descriptive statistics

Standard deviation	0.5062698917
Coefficient of variation (CV)	3.416723543
Kurtosis	54.81013986
Mean	0.148174087
Median Absolute Deviation (MAD)	0.2641783123
Skewness	5.639317112
Sum	1481
Variance	0.2563092032

Histogram

Histogram with fixed size bins (bins=10)

Value	Count	Frequency (%)
0	8910	89.1%
1	822	8.2%
2	186	1.9%
3	50	0.5%
4	14	0.1%
5	6	0.1%
6	3	< 0.1%
7	2	< 0.1%
11	1	< 0.1%
8	1	< 0.1%
(Missing)	5	0.1%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	8910	89.1%
1	822	8.2%
2	186	1.9%
3	50	0.5%
4	14	0.1%

Value	Count	Frequency (%)
11	1	< 0.1%
8	1	< 0.1%
7	2	< 0.1%
6	3	< 0.1%
5	6	0.1%

earliest_cr_line
Categorical

HIGH CARDINALITY

Distinct count	463
Unique (%)	4.6%
Missing	5
Missing (%)	< 0.1%
Memory size	78.2 KiB

11/1/98	95
11/1/00	95
12/1/98	91
10/1/98	86
10/1/01	84
Other values (458)	9544

Value	Count	Frequency (%)
11/1/98	95	0.9%
11/1/00	95	0.9%
12/1/98	91	0.9%
10/1/98	86	0.9%
10/1/01	84	0.8%
10/1/99	84	0.8%
10/1/00	83	0.8%
7/1/00	82	0.8%
11/1/97	80	0.8%
11/1/96	80	0.8%
Other values (453)	9135	91.3%

Length

Max length	7
Mean length	6.3008
Min length	3

Value	Count	Frequency (%)
Decimal_Number	10	76.9%
Lowercase_Letter	2	15.4%
Other_Punctuation	1	7.7%

Value	Count	Frequency (%)
Common	11	84.6%
Latin	2	15.4%

Value	Count	Frequency (%)
ASCII	13	100.0%

inq_last_6mths
Real number (ℝ_≥0)

ZEROS

Distinct count	20
Unique (%)	0.2%
Missing	5
Missing (%)	< 0.1%
Infinite	0
Infinite (%)	0.0%

Mean	1.066933467
Minimum	0
Maximum	25
Zeros	4602
Zeros (%)	46.0%
Memory size	78.2 KiB

Quantile statistics

Minimum	0
5-th percentile	0
Q1	0
median	1
Q3	2
95-th percentile	4
Maximum	25
Range	25
Interquartile range (IQR)	2

Descriptive statistics

Standard deviation	1.47605196
Coefficient of variation (CV)	1.383452676
Kurtosis	23.67847049
Mean	1.066933467
Median Absolute Deviation (MAD)	1.01844467
Skewness	3.116059024
Sum	10664
Variance	2.178729389

Histogram

Histogram with fixed size bins (bins=10)

Value	Count	Frequency (%)
0	4602	46.0%
1	2684	26.8%
2	1431	14.3%
3	731	7.3%
4	227	2.3%
5	152	1.5%
6	76	0.8%
7	42	0.4%
8	27	0.3%
9	10	0.1%
Other values (10)	13	0.1%
(Missing)	5	0.1%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	4602	46.0%
1	2684	26.8%
2	1431	14.3%
3	731	7.3%
4	227	2.3%

Value	Count	Frequency (%)
25	1	< 0.1%
24	1	< 0.1%
18	2	< 0.1%
17	1	< 0.1%
16	1	< 0.1%

mths_since_last_delinq
Real number (ℝ_≥0)

MISSING
ZEROS

Distinct count	91
Unique (%)	2.5%
Missing	6316
Missing (%)	63.2%
Infinite	0
Infinite (%)	0.0%

Mean	35.89033659
Minimum	0
Maximum	120
Zeros	163
Zeros (%)	1.6%
Memory size	78.2 KiB

Quantile statistics

Minimum	0
5-th percentile	2
Q1	18
median	34
Q3	53
95-th percentile	75
Maximum	120
Range	120
Interquartile range (IQR)	35

Descriptive statistics

Standard deviation	22.3614429
Coefficient of variation (CV)	0.6230491276
Kurtosis	-0.8171447741
Mean	35.89033659
Median Absolute Deviation (MAD)	18.73116249
Skewness	0.2929154934
Sum	132220
Variance	500.0341287

Histogram

Histogram with fixed size bins (bins=10)

Value	Count	Frequency (%)
0	163	1.6%
30	69	0.7%
34	66	0.7%
38	65	0.7%
23	65	0.7%
44	64	0.6%
24	64	0.6%
33	63	0.6%
20	63	0.6%
18	61	0.6%
Other values (81)	2941	29.4%
(Missing)	6316	63.2%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	163	1.6%
1	6	0.1%
2	29	0.3%
3	40	0.4%
4	37	0.4%

Value	Count	Frequency (%)
120	1	< 0.1%
115	1	< 0.1%
97	1	< 0.1%
96	1	< 0.1%
95	1	< 0.1%

mths_since_last_record
Real number (ℝ_≥0)

MISSING
ZEROS

Distinct count	94
Unique (%)	11.2%
Missing	9160
Missing (%)	91.6%
Infinite	0
Infinite (%)	0.0%

Mean	61.65238095
Minimum	0
Maximum	119
Zeros	267
Zeros (%)	2.7%
Memory size	78.2 KiB

Quantile statistics

Minimum	0
5-th percentile	0
Q1	0
median	86
Q3	101
95-th percentile	115.05
Maximum	119
Range	119
Interquartile range (IQR)	101

Descriptive statistics

Standard deviation	46.18961922
Coefficient of variation (CV)	0.7491944108
Kurtosis	-1.586694469
Mean	61.65238095
Median Absolute Deviation (MAD)	42.56052154
Skewness	-0.3831245675
Sum	51788
Variance	2133.480924

Histogram

Histogram with fixed size bins (bins=10)

Value	Count	Frequency (%)
0	267	2.7%
89	21	0.2%
116	18	0.2%
86	17	0.2%
87	17	0.2%
92	17	0.2%
100	16	0.2%
114	16	0.2%
104	16	0.2%
105	15	0.1%
Other values (84)	420	4.2%
(Missing)	9160	91.6%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	267	2.7%
6	1	< 0.1%
11	1	< 0.1%
17	1	< 0.1%
20	2	< 0.1%

Value	Count	Frequency (%)
119	3	< 0.1%
118	11	0.1%
117	10	0.1%
116	18	0.2%
115	10	0.1%

open_acc
Real number (ℝ_≥0)

Distinct count	36
Unique (%)	0.4%
Missing	5
Missing (%)	< 0.1%
Infinite	0
Infinite (%)	0.0%

Mean	9.334567284
Minimum	1
Maximum	39
Zeros	0
Zeros (%)	0.0%
Memory size	78.2 KiB

Quantile statistics

Minimum	1
5-th percentile	3
Q1	6
median	9
Q3	12
95-th percentile	18
Maximum	39
Range	38
Interquartile range (IQR)	6

Descriptive statistics

Standard deviation	4.526589744
Coefficient of variation (CV)	0.4849276465
Kurtosis	1.838467994
Mean	9.334567284
Median Absolute Deviation (MAD)	3.516796938
Skewness	1.063599744
Sum	93299
Variance	20.49001471

Histogram

Histogram with fixed size bins (bins=10)

Value	Count	Frequency (%)
7	1035	10.3%
6	990	9.9%
8	937	9.4%
9	929	9.3%
10	805	8.1%
5	763	7.6%
11	692	6.9%
4	631	6.3%
12	577	5.8%
13	487	4.9%
Other values (26)	2149	21.5%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
1	7	0.1%
2	163	1.6%
3	374	3.7%
4	631	6.3%
5	763	7.6%

Value	Count	Frequency (%)
39	1	< 0.1%
36	2	< 0.1%
35	1	< 0.1%
33	3	< 0.1%
32	1	< 0.1%

pub_rec
Categorical

Distinct count	4
Unique (%)	< 0.1%
Missing	5
Missing (%)	< 0.1%
Memory size	78.2 KiB

0	9422
1	550
2	18
3	5

Value	Count	Frequency (%)
0	9422	94.2%
1	550	5.5%
2	18	0.2%
3	5	0.1%
(Missing)	5	0.1%

Length

Max length	3
Mean length	3
Min length	3

Value	Count	Frequency (%)
Decimal_Number	4	57.1%
Lowercase_Letter	2	28.6%
Other_Punctuation	1	14.3%

Value	Count	Frequency (%)
Common	5	71.4%
Latin	2	28.6%

Value	Count	Frequency (%)
ASCII	7	100.0%

revol_bal
Real number (ℝ_≥0)

ZEROS

Distinct count	8130
Unique (%)	81.3%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	14271.0074
Minimum	0
Maximum	1207359
Zeros	278
Zeros (%)	2.8%
Memory size	78.2 KiB

Quantile statistics

Minimum	0
5-th percentile	277.95
Q1	3524.5
median	8645.5
Q3	16952.25
95-th percentile	44554.85
Maximum	1207359
Range	1207359
Interquartile range (IQR)	13427.75

Descriptive statistics

Standard deviation	25437.9082
Coefficient of variation (CV)	1.782488614
Kurtosis	570.4140985
Mean	14271.0074
Median Absolute Deviation (MAD)	11728.71446
Skewness	16.32424653
Sum	142710074
Variance	647087173.7

Histogram
Dynamic Histogram

Histogram with fixed size bins (bins=10)

Histogram with variable size bins (bins=[0.000000e+00 5.000000e-01 2.550000e+01 7.825000e+02 5.878000e+03 ... 8.222900e+04 1.205955e+05 1.727790e+05 2.836010e+05 1.207359e+06], "bayesian blocks" binning strategy used)

Value	Count	Frequency (%)
0	278	2.8%
2227	6	0.1%
1763	6	0.1%
11628	5	0.1%
4801	5	0.1%
760	5	0.1%
5272	4	< 0.1%
18550	4	< 0.1%
15	4	< 0.1%
5220	4	< 0.1%
Other values (8120)	9679	96.8%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	278	2.8%
1	2	< 0.1%
3	2	< 0.1%
5	1	< 0.1%
6	2	< 0.1%

Value	Count	Frequency (%)
1207359	1	< 0.1%
602519	1	< 0.1%
508961	1	< 0.1%
487589	1	< 0.1%
423189	1	< 0.1%

revol_util
Real number (ℝ_≥0)

ZEROS

Distinct count	1027
Unique (%)	10.3%
Missing	26
Missing (%)	0.3%
Infinite	0
Infinite (%)	0.0%

Mean	48.450771
Minimum	0
Maximum	100.6
Zeros	254
Zeros (%)	2.5%
Memory size	78.2 KiB

Quantile statistics

Minimum	0
5-th percentile	2.8
Q1	25
median	48.7
Q3	71.8
95-th percentile	93.6
Maximum	100.6
Range	100.6
Interquartile range (IQR)	46.8

Descriptive statistics

Standard deviation	28.22055724
Coefficient of variation (CV)	0.5824583727
Kurtosis	-1.099296594
Mean	48.450771
Median Absolute Deviation (MAD)	24.12794997
Skewness	-0.01672374423
Sum	483247.99
Variance	796.3998507

Histogram

Histogram with fixed size bins (bins=10)

Value	Count	Frequency (%)
0	254	2.5%
46.6	21	0.2%
43.4	20	0.2%
0.1	20	0.2%
47.6	19	0.2%
56.8	19	0.2%
55.4	19	0.2%
53.6	19	0.2%
70	19	0.2%
31.4	18	0.2%
Other values (1017)	9546	95.5%
(Missing)	26	0.3%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	254	2.5%
0.03	1	< 0.1%
0.1	20	0.2%
0.12	1	< 0.1%
0.2	11	0.1%

Value	Count	Frequency (%)
100.6	1	< 0.1%
100	1	< 0.1%
99.9	4	< 0.1%
99.8	5	0.1%
99.7	3	< 0.1%

total_acc
Real number (ℝ_≥0)

Distinct count	75
Unique (%)	0.8%
Missing	5
Missing (%)	< 0.1%
Infinite	0
Infinite (%)	0.0%

Mean	22.01130565
Minimum	1
Maximum	90
Zeros	0
Zeros (%)	0.0%
Memory size	78.2 KiB

Quantile statistics

Minimum	1
5-th percentile	6
Q1	13
median	20
Q3	29
95-th percentile	44
Maximum	90
Range	89
Interquartile range (IQR)	16

Descriptive statistics

Standard deviation	11.70939957
Coefficient of variation (CV)	0.5319720581
Kurtosis	0.9238037612
Mean	22.01130565
Median Absolute Deviation (MAD)	9.292220477
Skewness	0.8707976619
Sum	220003
Variance	137.1100383

Histogram

Histogram with fixed size bins (bins=10)

Value	Count	Frequency (%)
15	369	3.7%
20	360	3.6%
17	360	3.6%
12	357	3.6%
14	351	3.5%
19	346	3.5%
16	340	3.4%
18	339	3.4%
13	331	3.3%
22	329	3.3%
Other values (65)	6513	65.1%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
1	3	< 0.1%
2	10	0.1%
3	58	0.6%
4	115	1.1%
5	144	1.4%

Value	Count	Frequency (%)
90	1	< 0.1%
81	1	< 0.1%
80	1	< 0.1%
79	1	< 0.1%
78	1	< 0.1%

initial_list_status
Categorical

Distinct count	2
Unique (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Memory size	78.2 KiB

f	9983
m	17

Value	Count	Frequency (%)
f	9983	99.8%
m	17	0.2%

Length

Max length	1
Mean length	1
Min length	1

Value	Count	Frequency (%)
Lowercase_Letter	2	100.0%

Value	Count	Frequency (%)
Latin	2	100.0%

Value	Count	Frequency (%)
ASCII	2	100.0%

collections_12_mths_ex_med
Boolean

Distinct count	1
Unique (%)	< 0.1%
Missing	32
Missing (%)	0.3%
Memory size	78.2 KiB

0	9968
(Missing)	32

Frequency Table

Value	Count	Frequency (%)
0	9968	99.7%
(Missing)	32	0.3%

mths_since_last_major_derog
Categorical

Distinct count	3
Unique (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Memory size	78.2 KiB

2	3424
3	3299
1	3277

Value	Count	Frequency (%)
2	3424	34.2%
3	3299	33.0%
1	3277	32.8%

Length

Max length	1
Mean length	1
Min length	1

Value	Count	Frequency (%)
Decimal_Number	3	100.0%

Value	Count	Frequency (%)
Common	3	100.0%

Value	Count	Frequency (%)
ASCII	3	100.0%

policy_code
Categorical

Distinct count	5
Unique (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Memory size	78.2 KiB

PC3	2098
PC5	2025
PC1	1978
PC2	1962
PC4	1937

Value	Count	Frequency (%)
PC3	2098	21.0%
PC5	2025	20.2%
PC1	1978	19.8%
PC2	1962	19.6%
PC4	1937	19.4%

Length

Max length	3
Mean length	3
Min length	3

Value	Count	Frequency (%)
Decimal_Number	5	71.4%
Uppercase_Letter	2	28.6%

Value	Count	Frequency (%)
Common	5	71.4%
Latin	2	28.6%

Value	Count	Frequency (%)
ASCII	7	100.0%

Pearson's r

The Pearson's correlation coefficient (r) is a measure of linear correlation between two variables. It's value lies between -1 and +1, -1 indicating total negative linear correlation, 0 indicating no linear correlation and 1 indicating total positive linear correlation. Furthermore, r is invariant under separate changes in location and scale of the two variables, implying that for a linear function the angle to the x-axis does not affect r.

To calculate r for two variables X and Y, one divides the covariance of X and Y by the product of their standard deviations.

Spearman's ρ

The Spearman's rank correlation coefficient (ρ) is a measure of monotonic correlation between two variables, and is therefore better in catching nonlinear monotonic correlations than Pearson's r. It's value lies between -1 and +1, -1 indicating total negative monotonic correlation, 0 indicating no monotonic correlation and 1 indicating total positive monotonic correlation.

To calculate ρ for two variables X and Y, one divides the covariance of the rank variables of X and Y by the product of their standard deviations.

Kendall's τ

Similarly to Spearman's rank correlation coefficient, the Kendall rank correlation coefficient (τ) measures ordinal association between two variables. It's value lies between -1 and +1, -1 indicating total negative correlation, 0 indicating no correlation and 1 indicating total positive correlation.

To calculate τ for two variables X and Y, one determines the number of concordant and discordant pairs of observations. τ is given by the number of concordant pairs minus the discordant pairs divided by the total number of pairs.

First rows

	Id	emp_title	emp_length	home_ownership	annual_inc	verification_status	pymnt_plan	Notes	purpose_cat	purpose	zip_code	addr_state	debt_to_income	delinq_2yrs	earliest_cr_line	inq_last_6mths	mths_since_last_delinq	mths_since_last_record	open_acc	revol_bal	revol_util	total_acc	initial_list_status	mths_since_last_major_derog	policy_code
0	1	Time Warner Cable	10	MORTGAGE	50000.0	not verified	n	NaN	medical	Medical	766xx	TX	10.87	0.0	12/1/92	0.0	NaN	NaN	15.0	12087	12.1	44.0	f	1	PC4
1	2	Ottawa University	1	RENT	39216.0	not verified	n	Borrower added on 04/14/11 > I will be using this loan to pay off expenses accrued in the last six months on my credit cards, due to a combination of job transition, relocation for the job, and medical expenses from a broken tibula. I generally overpay my monthly minimum on my debts, so I expect that this loan will be repaid sooner than 5 years. I have a steady job working in the information technology field, I've been employed full-time in this field for over eight years, and have been with my present employer for seven months in good standing. My monthly budget breakdown is 1/3 of my paycheck going to rent and bills, 1/3 going to living and job transit expenses, and 1/3 remaining for general spending and payments.<br/>	debt consolidation	My Debt Consolidation Loan	660xx	KS	9.15	0.0	11/1/05	2.0	NaN	NaN	4.0	10114	64.0	5.0	f	2	PC1
2	3	Kennedy Wilson	4	RENT	65000.0	not verified	n	NaN	credit card	AP Personal Loan	916xx	CA	11.24	0.0	6/1/70	0.0	NaN	NaN	4.0	81	0.6	8.0	f	3	PC4
3	4	TOWN OF PLATTEKILL	10	MORTGAGE	57500.0	not verified	n	NaN	debt consolidation	Debt Consolidation Loan	124xx	NY	6.18	1.0	9/1/82	0.0	16.0	NaN	6.0	10030	37.1	23.0	f	2	PC2
4	5	Belmont Correctional	10	MORTGAGE	50004.0	VERIFIED - income	n	I want to consolidate my debt, pay for a vacation and buy a ring.	debt consolidation	consolidate	439xx	OH	19.03	0.0	10/1/99	4.0	NaN	NaN	8.0	10740	40.4	21.0	f	3	PC3
5	6	BAE Systems	4	RENT	47028.0	VERIFIED - income	n	NaN	other	16-Oct-10	200xx	DC	7.83	2.0	12/1/99	1.0	19.0	NaN	6.0	1715	26.4	25.0	f	3	PC3
6	7	Peninsula Counseling Center	10	MORTGAGE	126000.0	not verified	n	Borrower added on 05/18/10 > mick credit card consolidation loan - 100% payoff of credit card debt - amex, sears, macys and bank of america<br/>	credit card	mick credit card loan	103xx	NY	14.28	0.0	11/1/79	0.0	NaN	NaN	18.0	5466	11.1	29.0	f	3	PC1
7	8	Health Plan of Nevada	6	MORTGAGE	42000.0	VERIFIED - income source	n	Borrower added on 11/29/11 > Loan is for debt consolidation and will be paid timely. Employed in the healthcare industry for 6 years since moving to NV 7 years ago and have always had stable job positions. Thank you very much for your assistance.<br>	debt consolidation	CC loan	891xx	NV	10.29	0.0	4/1/06	0.0	NaN	NaN	9.0	10354	95.9	10.0	f	3	PC3
8	9	John Deere	2	MORTGAGE	50000.0	VERIFIED - income	n	NaN	debt consolidation	Consolidation	612xx	IL	15.36	0.0	2/1/01	2.0	NaN	NaN	11.0	19662	59.2	27.0	f	1	PC5
9	10	NaN	1	RENT	40000.0	not verified	n	This loan would be for a 2006 PT Cruiser with only 300 miles on it. There is still a full warranty till Dec. 2009 in effect.	car	FICO score 762 want's to buy a new car	926xx	CA	6.48	0.0	5/1/95	1.0	NaN	NaN	11.0	19998	18.3	23.0	f	1	PC5

Last rows

	Id	is_bad	emp_title	emp_length	home_ownership	annual_inc	verification_status	pymnt_plan	Notes	purpose_cat	purpose	zip_code	addr_state	debt_to_income	delinq_2yrs	earliest_cr_line	inq_last_6mths	mths_since_last_delinq	mths_since_last_record	open_acc	pub_rec	revol_bal	revol_util	total_acc	initial_list_status	mths_since_last_major_derog	policy_code
9990	9991	0	Konica Minolta	10	MORTGAGE	120000.0	VERIFIED - income	n	I am looking ofr a loan so that I can replace my septic system.	home improvement	Home Improvment	481xx	MI	14.44	1.0	2/1/94	0.0	4.0	NaN	14.0	0.0	14716	59.8	31.0	f	2	PC2
9991	9992	0	Ametek Aerospace and Defense	10	RENT	63000.0	VERIFIED - income source	n	Borrower added on 07/09/10 > loan app completed<br/>email verified<br/>bank account verified<br/>	medical	Lasik	018xx	MA	10.08	0.0	5/1/89	0.0	NaN	NaN	6.0	0.0	60	1.1	22.0	f	3	PC1
9992	9993	0	the reis group	10	RENT	52000.0	VERIFIED - income	n	Borrower added on 12/14/11 > looking to be debt free in 3 yrs or less!!<br>	debt consolidation	consolidation	124xx	NY	23.70	0.0	8/1/98	0.0	70.0	NaN	8.0	0.0	15002	91.5	18.0	f	2	PC5
9993	9994	0	Astoria Fuel Corp.	10	OWN	95892.0	VERIFIED - income	n	I live in a family owned home. It is my parents, but I am allowed to live here as long as I want as long as I pay for the taxes and any home improvements the home needs. I am looking for a loan to add a bathroom on the second floor and finish other small home improvements the house currently needs. I have lived here for 5 years and have done many updates already. This is the first major renovation I am doing on the house. I need the loan to get what I cannot do myself done the right way. I have excellent credit and pride myself on that.	home improvement	Updates Needed on Family owned home	110xx	NY	8.70	0.0	7/1/95	2.0	NaN	NaN	3.0	0.0	2139	30.6	7.0	f	3	PC5
9994	9995	1	Guitar Center	1	RENT	24996.0	VERIFIED - income source	n	NaN	debt consolidation	Personal Loan	913xx	CA	3.79	0.0	8/1/05	0.0	NaN	NaN	2.0	0.0	4801	56.5	7.0	f	1	PC1
9995	9996	0	Cabot	5	MORTGAGE	66250.0	VERIFIED - income	n	NaN	wedding	Scottish Wedding	014xx	MA	9.40	0.0	9/1/01	1.0	NaN	NaN	8.0	0.0	3656	24.1	10.0	f	2	PC3
9996	9997	0	Gallant & Wein	1	RENT	26000.0	VERIFIED - income source	n	Borrower added on 08/30/11 > credit cards consolidation and doctors bills..<br/>	debt consolidation	debt	112xx	NY	20.49	0.0	5/1/00	1.0	79.0	NaN	8.0	0.0	6709	58.9	12.0	f	2	PC3
9997	9998	0	Weichert, Realtors	8	RENT	47831.0	not verified	n	Borrower added on 03/10/10 > My dream is to finally end the cycle of revolving debt so that I can finally build a stable future for myself. I've been able to put some hardships behind and can see the light ahead if my loan is fully funded. I live modestly but cannot corral rising life expenses unless I can put away credit debt and service this loan. I will be a worthy LendingClub loan recipient. Thank you for your consideration!<br/>	debt consolidation	Harnessing credit debt for a stable future.	070xx	NJ	24.13	0.0	12/1/89	0.0	NaN	111.0	9.0	1.0	11346	60.7	17.0	f	3	PC3
9998	9999	0	meadwestvaco	6	MORTGAGE	70000.0	not verified	n	NaN	major purchase	personal	244xx	VA	16.18	2.0	3/1/99	2.0	16.0	NaN	9.0	0.0	17157	50.9	27.0	f	2	PC3
9999	10000	0	Rehab Alliance	1	RENT	70560.0	not verified	n	Borrower added on 11/09/11 > order to pay back lenders quicker. Also, never been late on a payment. Job: Very stable, full-time job (40 hours/wk). Thank you!<br>	credit card	Credit Card Loan	900xx	CA	16.13	0.0	9/1/00	1.0	53.0	NaN	15.0	0.0	2304	22.6	34.0	f	2	PC5

Overview

Variables

Interactions

Correlations

Pearson's r

Spearman's ρ

Kendall's τ

Missing values

Sample

First rows

Last rows